What are some creative ways to re-establish your credit rating without having credit cards to use?

Pay your debts off in-full.

What are some creative ways to re-establish your credit rating without having credit cards to use?
To raise your credit score you need to do two things:





1 - add positive things to your credit records. Such as paying your bills on time!





2 - Remove negative things from your records. These may be mistakes made by the credit report companies or bills you haven’t paid!





If your problems aren’t too bad or too complicated than you can do this yourself. This review site gives you e-books to explain the process and guide you through it:





if your problem is complex - or you just don’t have the time or patience to do it yourself then you will want to use a credit repair company. This review site will guide you to the three best companies to use:











Good Luck!
Reply:Beginning in November 2007, PRBC and FICO began a new program called the PRBC Credit Report with FICO Expansion Score. It allows you to use rental payments, utility payments, etc. to build a credit report.





You can read more about it below.
Reply:get a secured loan form the bank for $1000 by putting $1000 down. Pay it off with interest in 2 months and do it for a while. You will need money to put down and it will cost you interest. Do it a few times and your credit will have some good entries.





Note : There is no quick way to re establish credit if you ask me. The gimmick will work but will cost you. In the end, NOTHING but responsible debt management will establish your credit for the long haul.
Reply:I heard of people adding their rent and other bills to their credit reports. Not sure how to go about it though. Contact your billing companies, utilities, phone etc... Ask them for more info on it.


I know it can be done, just not sure what the process consists of.
Reply:Bobba. This is a very open question





do you still have debt? do you have a bk? etc etc





Refer to agdebtconsultation.com for more info. We are always here for free advice





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